I don't want you to pull my credit because the inquiry will bring my credit score down.

Overall, credit inquiries account for only about 5% of the total score. However, it is true that multiple inquires can hurt your credit. What is too many inquires and what is acceptable? 12 inquires in a three month period are too many. That may lower your score 15 or 20 points (not enough to be denied). Less than 5 in a three month period is fine and will not hurt your score. Furthermore, inquires only lower you score if they are less then 3 months old. Keep in mind that the main components that make up your score are your payment history and the amounts you owe on your accounts. A bankruptcy filing and foreclosures can significantly lower your score. You should avoid taking on more credit than you can handle. Late payments will also work against you, so it is important to make all loan payments on time even if it means paying the minimum balance. Ideally, you should avoid having high balances on your credit lines and strive instead to maintain low balances. This will improve your score over time, because people owing smaller amounts on their credit accounts are viewed as having a lower repayment risk than those who owe more.